Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 28.6 percent of nonperforming loans to core capital combined with 38.5 percent from a year earlier contributes to the Weak asset quality (2.0).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 26.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (70%), other (30%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1030 Shurling Drive
Macon, GA 31211
Macon, GA 31211
Phone Number
(478) 741-4428
NCUA Charter Number
Website
Largest Competitors
Macon, GA
Macon, GA
Macon, GA
Macon, GA
Macon, GA